Oregon City, OR
Oregon City, OR coffee shop insurance
County coffee shop data, commuter patterns, and what insurers ask Oregon City cafes. A quote is not a binder.
County Business Patterns lists 134 employer coffee shops and snack bars in Clackamas County for 2023, employing 1,785 people. That is the competitive field for a cafe opening in Oregon City, a city of about 38,327.
Clackamas County coffee and bakery figures
| Census CBP 2023 | Clackamas County | Oregon |
|---|---|---|
| Coffee shops and snack bars | 134 | 1,677 |
| Employees | 1,785 | 20,280 |
| With 1–4 employees | 37 | 488 |
| Retail bakeries | 9 | 111 |
| Specialty food stores | 17 | 162 |
County Business Patterns 2023, NAICS 722515 (snack and nonalcoholic beverage bars), 311811, 445299, 311920. Employer establishments only.
Annual payroll per employee at Clackamas County coffee shops averaged about $21,863 in 2023, against $22,388 statewide. With 13.3 employees per shop on average, most local cafes are small teams of part-timers.
The county's food scene includes 9 retail bakeries, 17 specialty food stores. If you buy pastries or beans from a local producer, ask whether they carry product liability coverage.
Oregon City commuters and the morning rush
71% of Oregon City's 19,074 workers drive to work alone, and 17% spend 45 minutes or more getting there. Car commuters fuel drive-through and grab-and-go sales, and spilled drinks in moving cars are a known burn exposure.
Public transit carries 1.7% of Oregon City's workers (Oregon: 2.2%). With few transit riders, foot traffic depends more on parking and visibility from the road.
Work-from-home share in Oregon City stands at 15%, lower than Oregon's 19%. Sales may be more concentrated in the morning commute window.
6% of Oregon City households have no vehicle, while 7% have three or more. High car ownership supports drive-through windows and larger parking lots.
With 16% of its 14,651.0 housing units in larger apartment buildings, Oregon City leans toward car-oriented retail, where drive-through and strip-center cafes do well.
The median Oregon City home dates to 1992. Newer retail centers generally have modern plumbing and electrical, but leases there often carry detailed insurance requirements.
City data: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B25003, B25024, B25035), via Census Reporter, plus B08303 and B25044. Population: U.S. Census Bureau Vintage 2024 city population estimates.
In May 2025, BLS counted 59,920 counter workers and 4,160 bakers on Oregon payrolls, with counter workers at a median $35,050. Many cafe owners also work the bar and are not counted.
28% of Clackamas County's employer coffee shops have fewer than five employees. Small teams mean every shift lead needs to know how to report an injury, document an incident, and contact the owner and insurer quickly.
Habits that protect Oregon City cafes
- Keep self-serve hot water out of children's reach.
- Put non-slip mats at the entrance and behind the bar.
- Check every lid before handing a drink over the counter or through the window.
- Log refrigerator temperatures every shift.
A cafe day, hour by hour walks through the risks a Oregon City coffee shop faces from opening to close.
Oregon City beside nearby cities
Portland (Multnomah County) has 425 coffee shops and snack bars countywide. Salem (Marion County) has 96 coffee shops and snack bars countywide. Neighboring Lake Oswego has a 32% work-from-home share. Of our 20 Oregon city pages, Oregon City places 9th for share of transit commuters.
What insurers ask Oregon City coffee shops
- Sales: Annual sales and drink-to-food split
- Seating: Seats, patio, and square footage
- Window: Drive-through or walk-up window
- Events: Music, classes, rentals, catering
- Alcohol: Beer, wine, or coffee cocktails
- Payroll: Employees and estimated payroll
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Oregon City cafe insurance FAQ
Which policies do Oregon City cafes carry?
Liability, property, business income, equipment breakdown, spoilage, and workers' comp for staff.
How many cafes operate near Oregon City?
County Business Patterns counted 134 snack and nonalcoholic beverage bars with employees in Clackamas County in 2023. Owner-only cafes and carts are not included.
Are coffee burns covered for Oregon City cafes?
Generally the products part of your general liability policy, subject to its terms. Secure lids and carriers help prevent these claims.
Other Oregon cities
Cafe insurance in Oregon · Coverage
Last updated October 15, 2026 · How we research